Bank credit to the living, and borrowed money (or deposit) to lend to others to use.

Combined with a, art and Science

   Risk cannot be eliminated, but can manage

   Because the bank risk and survival and prosperity, while the risk is the most important economic functions of banks

   One of the characteristics of financial products is the difference, the service is invisible, the human factor is the biggest variable credit business. It is best to make risk management influence character by environment for the staff code of conduct, and in risk quantification analysis techniques refine on. But the credit is not science, must rely on the people's wisdom and management model be able to perform wonders. In this sense, credit is a kind of culture.

Two, three principles

   1, security

   2, liquidity: can be expected to recover the loans, or rapid liquidation in no loss of state, to meet customer needs at any time deposit

   3, benefit: Sustainable Management

Three, the credit policy (family affairs world things)

   Credit or means of state regulation of the economy

   1, the credit policy and monetary policy, interest rate, exchange rate, the open market operation and other marketing tools, adjust the money supply and credit scale, the purpose is to stabilize the currency; the credit policy is to solve the problems of economic structure, promote the adjustment of economic structure.

   2, in line with national industrial policy, guide the credit funds to flow to the country to encourage and support regional and industry, inhibit the excessive release in some regions and industries.

   3, the development of credit laws and regulations, improving the financial ecology.

Four, the bank's own credit policy

   Through their own credit policy (i.e. internal operation standard bank and model), and guide the work of the bank's credit business

   "Portfolio management" is one of the typical credit policy:

   1, how much credit, set the credit scale

    2, concentration, according to industry, area, scale enterprises, guarantee, customer rating, business varieties from different dimensions of credit to set the highest balance

   3, temporary, and set up a temporary quota according to national policy guidance, economic development and regulatory requirements

   Bank loans policy is generally divided into the support class and control class.